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11 No PG Business Credit Cards That Can Help You Build Business Credit

Jun 29, 2026

No PG business credit cards are some of the most powerful cards a business owner can get.

Why?

Because they can help you access business credit without putting your personal credit on the line the same way a traditional business credit card does.

With the right no personal guarantee business card, your approval may be based more on your business revenue, cash flow, bank balance, business structure, or financial performance instead of your personal FICO score.

That is the dream setup for a lot of business owners.

But there is a catch.

Not all no PG business cards are easy to get. Some require large bank balances. Some are built only for startups. Some are better for ecommerce. Some have weak rewards. And some do not clearly disclose which business credit bureaus they report to.

So let’s break down 11 no PG business credit cards and business charge cards to know before you apply.

Disclosure: This article may contain affiliate links, which means I may earn compensation if you click or apply through certain links.

Quick Answer

No PG business credit cards may let you access business credit without a personal guarantee, but approval requirements vary a lot by card. Some cards look at business revenue, cash flow, bank balances, or business financials instead of relying on your personal credit score. Many do not report to personal credit, but business credit reporting can vary, so always confirm reporting with the issuer before applying.

Helpful resource: If you want a bigger list of no personal guarantee options, my No PG Business Credit Card Master List includes 25+ cards and counting.

What Is a No PG Business Credit Card?

A no PG business credit card is a card that does not require a personal guarantee.

That means the issuer is not making you personally guarantee the debt the same way many traditional business credit cards do.

This can be a big deal because most business credit cards from major banks still require the owner to personally guarantee the account. Even if the card is for your business, the bank may still use your personal credit to approve you.

With a true no PG card, the lender is usually more focused on the business itself.

That may include:

Business revenue
Cash flow
Bank account balances
Business age
Industry
Business structure
Existing business credit
Investor funding
Payment history
Financial health

But no PG does not always mean easy approval.

Some no PG cards are harder to qualify for than regular business cards because the issuer is taking more risk by not requiring a personal guarantee.

Do No PG Business Cards Use Your EIN Only?

Some no PG business cards are built around your EIN and business financials, but that does not always mean your SSN is never requested.

This is where people get confused.

A company may not use your personal credit score for approval, but it may still ask for your SSN to verify your identity, comply with banking rules, or confirm ownership of the business.

So do not assume “no PG” means “no SSN ever.”

What matters is whether the card:

Requires a personal guarantee
Runs a personal hard pull
Reports to personal credit
Reports to business credit bureaus
Uses business underwriting instead of personal credit underwriting

Those are the real questions to ask.

1. Finfare Executive Charge Card

The Finfare Executive Charge Card is one of those cards most business owners still do not know about.

That is what makes it interesting.

It is issued by Cross River Bank and runs on the Mastercard network. It is built into the Finfare Money platform, which combines business charge cards with expense management tools.

You can get monthly spending limits, cashback rewards, virtual and physical cards, and tools to track business spending.

What You May Not Love About Finfare

The rewards are not as strong as they sound at first.

Finfare cashback is tied to eligible purchases through the Mastercard Easy Savings program, so the rewards do not apply everywhere.

Finfare also removed the auto-pay option, which makes payment management more annoying if you are trying to keep everything automatic.

Finfare Rewards and Perks

Finfare offers:

1.5%+ cashback on eligible purchases
Up to 4% cashback at participating restaurants through Mastercard Easy Savings
Discounts on tools like QuickBooks, Adobe, and Instacart
Up to 7% off prepaid stays at Booking.com locations
Savings on eligible Lyft airport rides
Physical and virtual cards
No fees as long as you pay on time

The rewards are decent, but they are not as clean as a simple 1.5% cashback card on all purchases.

Finfare Approval Requirements

Finfare is available to U.S.-based LLCs, corporations, and partnerships.

Sole proprietors are not eligible.

Finfare considers your business growth and financials when setting your limit. There is no clear minimum revenue requirement, but steady revenue helps.

For example, my small business received a $5,650 limit.

Finfare does not run a personal credit check, which can make it attractive if you are trying to keep your personal credit untouched.

Does Finfare Report to Business Credit?

It is not clear whether Finfare reports to personal or business credit bureaus.

If business credit reporting matters to you, confirm this directly with Finfare before applying.

2. Mercury IO Credit Card

The Mercury IO Credit Card is built for startups and businesses that already use Mercury.

It is backed by Patriot Bank and runs on the Mastercard network. Mercury itself is a fintech platform that provides banking services through partner banks.

The biggest thing to know is this:

You need to keep at least $25,000 in your Mercury account to qualify and maintain the card.

That requirement alone will eliminate a lot of newer or smaller businesses.

Mercury IO Drawbacks

The biggest drawback is the cash requirement.

You need to maintain at least $25,000 in your Mercury account. If your balance drops, your limit may be affected.

So this card is not for businesses running close to zero in the bank.

It is better for businesses that already keep healthy cash reserves.

Mercury IO Rewards and Perks

Mercury IO offers:

Unlimited 1.5% cashback
Automatic cashback deposits into your account
No interest
No annual fee
No foreign exchange fees
Mastercard Zero Liability protection
Fraud protection
Discounts on tools like AWS, Microsoft, and Adobe

Mercury also reports to major business credit bureaus like Equifax Business and Dun & Bradstreet.

Mercury IO Approval Requirements

To qualify, you generally need:

A U.S.-based LLC, corporation, or partnership
A Mercury account
At least $25,000 maintained in the account
Business financials that support the card
No personal credit check

This can be a strong option for startups with cash in the bank, but not for businesses that cannot meet the balance requirement.

3. Revenued Flexline and Card

If your personal credit is bad, Revenued is one of the first options I would look at.

The Revenued Flexline is built for businesses with strong revenue, even if the owner has poor personal credit or no strong personal credit profile.

Revenued focuses heavily on business performance.

Helpful resource: If your business has strong revenue but your personal credit is holding you back, you can learn more about Revenued as a no-PG funding option.

Revenued Drawbacks

The biggest drawback is cost.

Revenued uses factor rates ranging from 1.1 to 1.5. That means it can be more expensive than traditional business credit cards or bank lines of credit.

This is not the card I would use just to chase rewards.

This is more of a revenue-based funding tool for businesses that need access to capital and may not qualify through traditional credit underwriting.

Revenued Benefits

Revenued offers:

No hard credit pull
No personal guarantee
No fees unless you use the funds
No origination, maintenance, or draw fees
Credit lines that can scale with revenue
Access to funds through a Revenued Visa card
Virtual card access
24/7 access through the app or card
Reporting to Dun & Bradstreet

The reporting piece is important because a lot of lenders are starting to look at business credit reports more often when reviewing business card and funding applications.

Revenued Approval Requirements

To qualify, you generally need:

A U.S.-based LLC, corporation, or partnership
No sole proprietorship
At least one year in business
A separate business bank account
At least $20,000 in monthly deposits over the last three months
Approval based on business revenue, not personal credit

Revenued can be a strong fit if your business is making money but your personal credit profile is not where it needs to be.

4. Ramp Business Charge Card

Ramp used to be harder to get approved for, but the minimum requirements have become more accessible than they used to be.

Ramp is a business charge card and expense management platform. It does not require a personal guarantee or personal credit check, and it is built for businesses that want stronger control over spending.

Helpful resource: If you want a no-PG corporate card with expense controls, virtual cards, and business-based underwriting, you can check out Ramp.

Ramp Drawbacks

Ramp is still not automatic.

To get higher limits, you need strong cash flow, strong liquidity, and a healthy business bank account.

If your business has low revenue, weak cash reserves, or inconsistent deposits, your limit may be low or you may not qualify.

Ramp Rewards and Perks

Ramp offers:

Unlimited 1.5% cashback
No annual fees
No late fees
No foreign transaction fees
Partner discounts with companies like AWS, Slack, and Google Ads
Receipt capture
Accounting integrations with QuickBooks, Xero, and NetSuite
Real-time spend tracking
Unlimited virtual and physical employee cards
Custom spending limits

Ramp is less about flashy rewards and more about expense control.

That is why a lot of growing businesses like it.

Ramp Approval Requirements

Ramp approval is based on business financials, not personal credit.

You generally need:

A legally incorporated business
LLC, corporation, or partnership structure
No sole proprietorship
A business bank account Ramp can review
Steady revenue or strong liquidity
Good business financial health

Ramp offers dynamic credit limits. Your limit can increase or decrease based on your cash flow and bank balances.

Does Ramp Report to Business Credit?

Ramp does not report to personal credit bureaus.

Ramp does report to business credit bureaus, including Dun & Bradstreet and Experian Business.

That can help build a stronger business credit profile if you use the card responsibly.

5. Capital on Tap Business Credit Card

Capital on Tap is a small business credit card issued by WebBank.

I have personally never been able to get my business approved for this card, but I hear a lot of business owners say they were happy when they got approved.

Capital on Tap offers cashback rewards, employee cards, expense tools, and credit limits up to $50,000 depending on creditworthiness.

Capital on Tap Drawbacks

The biggest drawback is the APR.

The APR can range from 17.99% to 35.99%, which can get expensive if you carry a balance.

So if you use this card, it is better to pay it off and avoid interest whenever possible.

Capital on Tap Rewards and Perks

Capital on Tap offers:

1.5% cashback on purchases
2% cashback if you set up weekly AutoPay
No annual fee
No foreign transaction fees
Unlimited free employee cards
Custom employee spending limits
QuickBooks and Xero syncing
Rewards that can be used toward the balance, gift cards, or travel

The rewards are simple, which is nice.

But the interest rate can be painful if you do not pay in full.

Capital on Tap Approval Requirements

Capital on Tap is available to U.S.-based:

LLCs
Corporations
Partnerships
Sole proprietors

Capital on Tap says your personal credit score will not be affected unless you accept the card offer.

Your business and personal credit may both be used to determine your credit limit and interest rate.

Does Capital on Tap Report to Business Credit?

It is not clear whether Capital on Tap reports to business credit bureaus.

If building business credit is your main goal, confirm reporting directly with Capital on Tap before applying.

6. Flex Credit Card

The Flex Credit Card is a commercial charge card from Patriot Bank.

It runs on the Mastercard network and is part of the Flex platform.

The big selling point is 0% interest for 60 days, net-60 payment terms, and financial tools built for business owners.

Flex Drawbacks

Flex is not available everywhere.

At the time of the original data point, you could not apply if you were in:

California
North Dakota
South Dakota
Vermont
Nevada

That state availability needs to be verified before publishing because availability can change.

Flex Benefits

Flex offers:

0% interest on purchases for the first 60 days
Net-60 payment terms
Unlimited employee cards
Custom spending limits
Category restrictions
QuickBooks integration
Receipt tracking
Expense management tools
Up to 3.34% APY on idle cash through the Flex banking platform

That 60-day float can be useful for businesses managing cash flow.

Flex Approval Requirements

Flex is open to U.S.-based:

LLCs
Corporations
Partnerships
Sole proprietors

Applying should not affect your personal credit score, but you will need to provide your SSN and link a business bank account during sign-up.

Flex has not clearly disclosed specific financial requirements.

Credit limits adjust based on business growth and financial health.

Does Flex Report to Business Credit?

It is unclear whether Flex reports payment activity to credit bureaus.

If business credit building is your goal, confirm this with Flex before applying.

7. BILL Divvy Corporate Card

From my experience, BILL Divvy is one of the easier no PG business cards to get approved for.

The BILL Divvy Corporate Card is issued by Cross River Bank and works with the BILL Spend & Expense platform.

It offers credit lines, employee cards, expense management, and rewards.

Helpful resource: If you want a no-PG business card with built-in expense management, BILL Divvy may be worth comparing.

BILL Divvy Drawbacks

The rewards program is more complicated than it should be.

Here is what makes it annoying:

You need to spend at least 30% of your credit limit each month to earn rewards.
You cannot redeem points until you have had the card for 12 months.
If you miss a payment or stop using the card, you can lose rewards.
The highest reward rates require weekly billing.
The highest restaurant and hotel categories only apply to the first $5,000 spent each month.
10,000 points are only worth about $52 in cashback.

That is why I do not love Divvy for rewards.

I like it more for approvals, business credit, and expense management.

BILL Divvy Benefits

BILL Divvy offers:

No annual fee
No foreign transaction fees
Flexible credit lines
Unlimited virtual cards
Custom spending limits
Expense tracking
BILL Spend & Expense integration
Rewards that improve with more frequent payments

Depending on your business profile, credit lines can range from $1,000 to $5 million.

BILL Divvy Approval Requirements

BILL Divvy is open to U.S.-based businesses of different sizes.

Approval is based on business financial health and creditworthiness.

Applying should not affect your personal credit score, but the business still needs to meet BILL Divvy’s underwriting criteria.

Does BILL Divvy Report to Business Credit?

BILL Divvy typically reports to business credit bureaus, including the Small Business Financial Exchange.

That can help strengthen your business credit profile over time.

8. Parker Credit Card

Parker is built for one very specific type of business owner:

Ecommerce operators.

If you do not run an ecommerce business, Parker may not be the best fit.

But if you do, this card can be interesting.

The Parker Credit Card is issued by Patriot Bank under the Mastercard network. Banking services are provided by Piermont Bank.

Parker combines banking, credit, analytics, and cash flow tools for ecommerce businesses.

Parker Drawbacks

Parker is mainly designed for ecommerce businesses.

That is great if you sell online, but not so great if you run a local service business, restaurant, consulting company, trucking business, or another type of business.

Parker Benefits

Parker offers:

Up to 90 days to repay on purchases
Performance-based underwriting
Higher limits as the business grows
Free domestic ACH transfers
Domestic and international wires
Integrated banking
Expanded FDIC insurance through a bank network
Invoice management tools
Analytics for sales, profitability, and ad performance

For ecommerce businesses, those analytics can be valuable because cash flow can swing hard based on ad spend, inventory, and sales cycles.

Parker Approval Requirements

Parker is designed for U.S.-based ecommerce businesses, including:

LLCs
Corporations
Partnerships

Approval is based on business performance and financial growth, not strict personal credit checks.

Strong cash flow and strong financials matter.

Does Parker Report to Business Credit?

It is not confirmed whether Parker reports to business credit bureaus.

Because Parker uses performance-based underwriting, it may report, but that needs to be verified directly before relying on it for business credit building.

9. Rho Corporate Card

The Rho Corporate Credit Card is issued by Webster Bank.

It is built for businesses that want no personal guarantee, no personal credit check, cashback rewards, and expense management tools.

Rho is more of a corporate card and finance platform than a traditional small business credit card.

Rho Drawbacks

The cashback rate maxes out at 1.25%.

That is lower than the 1.5% cashback offered by many competitors.

So if your only goal is rewards, Rho may not be the most exciting option.

Rho Benefits

Rho offers:

No personal credit check
No personal guarantee
Cashback rewards
QuickBooks and NetSuite integrations
Virtual cards
Custom employee spend limits
Spend restrictions
No annual fees
No hidden fees

Rho is useful if you care more about controls and financial operations than chasing the highest rewards rate.

Rho Approval Requirements

Rho is open to U.S.-based:

LLCs
Corporations
Partnerships

Rho uses holistic underwriting, which means it reviews overall business data instead of only looking at one simple credit score.

Does Rho Report to Business Credit?

It is unclear which credit bureau Rho reports to.

If business credit reporting is important to you, verify that directly with Rho before applying.

10. Brex Corporate Card

Brex is one of the biggest names in the no PG corporate card space.

It is built for startups, venture-backed companies, and larger businesses.

Depending on your location, the Brex Corporate Credit Card may be issued by Emigrant Bank, Fifth Third Bank, N.A., or Airwallex.

Brex offers flexible credit limits, expense tools, virtual cards, physical cards, and no personal guarantee.

Brex Drawbacks

Brex can be tough to qualify for if you do not have serious cash or funding.

For monthly repayments, Brex has required:

At least $50,000 in the account for investor-backed companies
At least $1 million in the account for self-funded companies

If you do not meet the cash requirements, you may be placed on daily repayments.

That can be restrictive.

Brex also does not let you carry a revolving balance. Balances must be paid in full.

Brex Rewards and Perks

Brex offers:

Up to 7x points on certain categories
No personal guarantee
No personal credit check
QuickBooks and NetSuite integrations
Virtual and physical employee cards
Custom spend controls
Local currency cards in over 20 currencies
Multiple redemption options

The rewards can look amazing on paper, but they can be difficult to maximize. Points may also be worth less when redeemed as statement credits.

Brex Approval Requirements

Brex is designed for:

U.S.-based startups
LLCs
Enterprises
Venture-backed or well-capitalized companies

Approval is based on business financials, revenue, capital raised, and overall business data.

Brex uses holistic underwriting and dynamic credit limits that adjust based on your business performance.

Does Brex Report to Business Credit?

Brex reports to major business credit bureaus, which can help build your business credit profile over time.

11. Business Gas Cards and Fleet Cards

Gas cards are not always talked about the same way as corporate cards, but they can be useful for business credit and expense management.

Examples include:

Fuelman
Shell Fleet
AtoB Fuel
Circle K Pro
Wex Fleet
Chevron Fleet
Comdata
Other fleet cards

These cards are designed to help businesses manage fuel expenses, track driver spending, and control vehicle-related costs.

Gas Card Drawbacks

Gas cards can come with fees.

That may include transaction fees, monthly service fees, or other account fees.

Some cards also charge high interest if you do not pay in full.

Another issue is acceptance. Some gas cards are brand-specific, which means they only work at certain fuel stations.

That can be annoying if your drivers need flexibility.

Gas Card Benefits

Business gas cards may offer:

Fuel discounts
Spending controls
Driver-level tracking
Vehicle-level reporting
Maintenance discounts
Rewards on fuel purchases
Reporting tools
Scalable limits based on fuel usage

Some gas cards can save around 5 to 6 cents per gallon at participating stations.

That may not sound like much, but it adds up if your business has vehicles on the road every day.

Gas Card Approval Requirements

Approval depends on the card.

Some gas cards review personal or business credit. Others may focus more on fuel usage, business activity, or bank data.

Gas cards may be available to:

LLCs
Corporations
Partnerships
Some sole proprietors

Cards like Wex Fleet and Comdata may offer scalable limits that grow as your business fuel usage increases.

Do Gas Cards Report to Business Credit?

Many business gas cards report to business credit bureaus, but not all of them report the same way.

If your goal is business credit building, confirm which bureaus the card reports to before applying.

Why Business Credit Reporting Matters

Business credit reporting is becoming more important.

A lot of lenders are starting to check business credit reports more often when you apply for business cards, corporate cards, lines of credit, and other funding products.

That means it is not enough to just get a card.

You want to know whether the account reports.

The main reporting questions are:

Does it report to Dun & Bradstreet?
Does it report to Experian Business?
Does it report to Equifax Business?
Does it report to the Small Business Financial Exchange?
Does it report to personal credit?
Does it only report if you default?
Does it report positive payment history?

Those details matter.

A card that gives you a limit but does not report may still be useful for cash flow. But if your goal is building business credit, reporting becomes a much bigger deal.

No PG Does Not Always Mean No Risk

No PG business cards can be powerful, but they are not magic.

You still need to read the terms.

Some cards use factor rates. Some require large cash balances. Some require daily or weekly payments. Some have dynamic limits that can drop if your cash flow drops. Some have weak rewards. Some do not clearly explain credit reporting.

And even without a personal guarantee, you still need to treat the account seriously.

Late payments, defaults, and bad business credit history can hurt your company’s ability to get approved later.

What to Check Before Applying for a No PG Business Card

Before you apply, check these details:

Does the card require a personal guarantee?
Does it run a personal hard pull?
Does it report to personal credit?
Does it report to business credit?
Which business credit bureaus does it report to?
What business structure is required?
Are sole proprietors allowed?
Is there a minimum revenue requirement?
Is there a minimum bank balance requirement?
Are there state restrictions?
Is it a charge card or revolving credit card?
Can you carry a balance?
Are there factor rates, fees, or repayment rules?

This is where people mess up.

They see “no PG” and assume everything else is perfect.

That is not how it works.

A card can be no PG and still have requirements that make it a bad fit for your business.

Frequently Asked Questions

What is the easiest no PG business credit card to get approved for?

From my experience, BILL Divvy has been one of the easier no PG business cards to get approved for. Revenued can also be a strong option if your business has solid revenue but your personal credit is weak. Approval still depends on your business financials, cash flow, structure, and underwriting.

Do no PG business credit cards check personal credit?

Some no PG business cards do not run a personal credit check, while others may ask for your SSN for identity verification. Always check whether the card does a personal hard pull before applying.

Do no PG business cards report to personal credit?

Many no PG business cards do not report normal activity to personal credit. However, reporting rules vary by issuer, and some accounts may report negative activity if the account defaults. Confirm this directly before applying.

Which no PG business cards report to business credit bureaus?

Ramp, Brex, Revenued, Mercury, and BILL Divvy are listed in this article as cards or funding products that report to business credit bureaus. Reporting details can change, so verify the current reporting policy with each issuer before applying.

Can a new business get a no PG business credit card?

Yes, some startups can qualify for no PG business cards, especially if they have strong bank balances, investor funding, or healthy cash flow. Mercury, Ramp, and Brex can be startup-friendly, but they may require strong liquidity or specific business profiles.

Are no PG business cards better than regular business credit cards?

Not always. No PG business cards can help protect your personal credit and build business credit, but they may have stricter financial requirements, dynamic limits, weaker rewards, or repayment rules. Regular business credit cards may be easier for some owners to qualify for if they have strong personal credit.

Conclusion

No PG business credit cards can be a serious advantage if you are trying to separate your business and personal credit.

But you have to know what you are applying for.

Finfare, Mercury, Revenued, Ramp, Capital on Tap, Flex, BILL Divvy, Parker, Rho, Brex, and business gas cards all serve different types of businesses.

Some are better for startups. Some are better for ecommerce. Some are better for businesses with strong revenue. Some are better for businesses with cash in the bank. Some are better for building business credit. And some are mainly useful for expense management.

The key is not to chase every card.

The key is to match the right card to your business.

Before applying, check the personal guarantee rules, personal credit impact, reporting policy, revenue requirements, cash requirements, fees, and repayment terms.

Because the best no PG business card is not just the one that approves you.

It is the one that actually helps your business grow without creating problems later.